Average Cost of Car Insurance in Arizona

How much is car insurance in Arizona?

The average yearly car insurance cost in Arizona are $1,820 for full coverage and $597 for basic coverage. Both rates are about in line with the national yearly average cost of auto insurance, which is $2,014 for full coverage and $622 for minimal coverage. However, there are variables that influence how much you'll pay. These include your Arizona address, the different kinds of coverage you select, the auto insurance provider you choose, your age, gender, credit score, driving history, car model, and other factors.

Average car insurance costs by age in Arizona

In Arizona, car insurance costs can vary significantly by age and gender. On average, insurance premiums tend to be higher for younger drivers and male adults, especially those under 25, due to their relative lack of driving experience. Additionally, male drivers typically pay higher premiums than their female counterparts.

Here's a general overview of average car insurance costs by age and gender in Arizona:

Teenage Drivers (16-19 years old):

Male drivers: On average, young male drivers may pay around $3,500 to $4,500 annually for car insurance.

Female drivers: Young females typically pay slightly less, with annual premiums ranging from $3,000 to $4,000.

Early 20s to Mid-20s (20-25 years old):

Male drivers: Young men still face relatively high premiums, averaging between $2,000 to $4,500 per year.

Female drivers: Young women may see somewhat lower rates, with annual premiums ranging from $3,000 to $4,000.

Late 20s to Early 30s (26-30 years old):

Male drivers: As drivers gain more experience, insurance costs tend to decrease, averaging around $1,900 to $2,300 annually.

Female drivers: Female drivers in this age group usually pay similar rates as their male counterparts.

30s to 50s (31-50 years old):

Male and female drivers: Insurance rates tend to stabilize for both genders in this age range, with premiums averaging $1,000 to $2,000 annually.

50s and Beyond (51+ years old):

Male and female drivers: As drivers reach their 50s and beyond, insurance costs may further decrease, with premiums ranging from $800 to $2,100 per year.

For Male

For Female

How does driving record impact the cost of car insurance in Arizona?

In Arizona, your driving record significantly influences the cost of car insurance. Insurance providers assess your record to determine your level of risk as a driver. If you have a clean history with no accidents or traffic violations, you're more likely to secure lower premiums. On the other hand, a history of accidents, speeding tickets, or DUI convictions can lead to higher insurance rates. Each incident on your record can impact your premiums for several years. Therefore, maintaining a safe and responsible driving history is key to securing affordable car insurance in Arizona.

Average car insurance cost in Arizona by vehicle type

Arizona car insurance rates vary by vehicle type, with factors such as the make, model, and year playing a significant role in determining premiums. Generally, sports cars and luxury vehicles tend to have higher insurance costs due to their higher repair and replacement expenses.

On the other hand, family sedans and economy cars typically come with more affordable rates. Additionally, factors like safety features, theft rates, and the vehicle's historical claims data in Arizona can influence the premium.

Average Car Insurance Costs in Arizona for New Cars vs. Older Cars

The cost of car insurance varies between new and older cars due to factors like the vehicle's age and actual cash value. Generally, insurance for new cars tends to be more expensive as they have a higher actual cash value, meaning they are worth more on the market.

This higher value often leads to pricier insurance premiums to cover potential repairs or replacements. Also, because of the greater danger of theft and higher maintenance expenses, insurers charge higher rates for new automobiles.

On the other hand, older cars usually have a lower actual cash value, resulting in lower insurance costs. However, it's essential to consider factors such as the car's make and model, driving history, and coverage options, as they can also impact the insurance rates.

Average Car Insurance Costs in Arizona by City

Car insurance rates in Arizona can vary significantly by city. Generally, cities with some of the lowest insurance premiums include Chandler with an average annual rate of around $1,745 and Gilbert with rates averaging about $1,763.

On the other hand, major urban areas like Phoenix often have some of the highest insurance premiums in the state, with average rates reaching around $2,000. These variations are influenced by factors such as population density, traffic conditions, and local crime rates

Typical Car Insurance Premiums for Bad Drivers in Arizona

For bad drivers in Arizona, typical car insurance premiums can be significantly higher than those for safe drivers. Minors who encounter accidents may face even steeper penalties, with rates potentially goes upto $638.55, depending on the severity of the accident and their driving record.

Among the various violations, DUI (Driving Under the Influence) tends to carry the most substantial penalty, with premiums goes upto $2,072 Reckless driving, speeding, and at-fault accidents also lead to increased rates, but DUI violations have the most significant impact on car insurance premiums for bad drivers in Arizona.

How does credit score affect car insurance rates in Arizona?

In Arizona, your credit score plays a significant role in determining car insurance rates. Drivers with the lowest credit scores may face premiums that are nearly twice as high as those with the highest credit scores. Insurance companies in Arizona use credit history as a risk assessment tool, with lower scores often resulting in higher rates, while higher scores can lead to more affordable coverage.

How to save on car insurance in Arizona

Arizona residents have various alternatives for finding low-cost auto insurance. Consider the following alternatives:

Improve Your Driving Skills: Enrolling in defensive driving courses can lead to lower insurance premiums. These courses help enhance your driving skills and make you a safer driver, which insurers often reward with discounts.

Reduce or Eliminate Your Personal Injury Protection (PIP): Texas allows policyholders to adjust their Personal Injury Protection (PIP) coverage. If you have sufficient health insurance coverage, you may consider reducing or eliminating PIP, which can help lower your premiums. However, be cautious when doing so, as it affects your coverage for medical expenses.

Research Available Discounts: Many insurance companies offer a range of discounts to policyholders. Some common discounts in Texas include safe driver discounts, multi-policy discounts (for bundling auto and home insurance), and good student discounts for young drivers with good grades. Additionally, explore any usage-based insurance programs that reward safe driving habits. Shopping around and comparing quotes from different insurers will help you discover the best deals and discounts tailored to your needs.